美股跌到今天，风险已经不大。
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Re: 美股跌到今天，风险已经不大。
有人采取的策略是，把剩下的钱分成5份，股市每跌10%，就买1份。股市跌到50%，也差不多到底了。dean 写了： 2022年 10月 15日 02:18 虽然没人敢说是最低点，但大部队应该渐渐上车了。把剩下的钱分成6-10份（取决于你对未来经济危机的看法），每月一次DCA择机买入。剩下几年不用再看了。
Re: 美股跌到今天，风险已经不大。
Bank of America CEO’s Optimism Defies Economic Gloom
Consumers are in good shape, Brian Moynihan says, but the bank socked away funds to prepare for a possible recession
Bank of America earned $7.08 billion in the latest quarter. ELIZABETH BICK FOR THE WALL STREET JOURNAL
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High inflation and rising interest rates haven’t done much to weaken the health of the American consumer, Bank of America Corp. BAC 6.06%▲ Chief Executive Brian Moynihan said Monday.
The company’s data show that spending growth remains strong in terms of both amounts and number of transactions. Americans are spending in particular on travel and entertainment, which tend to be discretionary items. Deposit balances remain higher than prepandemic levels by multiple times and delinquencies remain low.
“The customers’ resilience and health remain strong,” Mr. Moynihan said Monday on a call with analysts after the company reported its third-quarter earnings.
Executives and everyday Americans alike are trying to figure out the uncertain economic outlook. The highest inflation in decades has prompted the Federal Reserve to aggressively lift interest rates to slow the economy.
Like other lenders, Bank of America is preparing by stowing away additional money to cover possible loan defaults. The $378 million the bank added to its reserves was a drag on its earnings.
Bank of America earned $7.08 billion, down 8% from $7.69 billion a year earlier. That amounts to 81 cents a share. Analysts expected 78 cents, according to FactSet. Revenue rose 8% to $24.5 billion. Analysts expected $23.54 billion.
Still, Mr. Moynihan, the longtime head of the nation’s second-largest bank, has stood out in recent years for having a sanguine outlook on the economy. He was early to say the economy was rebounding from the pandemic shutdown in 2020. At the time, many banking executives still feared widespread customer defaults, which never materialized.
Mr. Moynihan’s remarks Monday stand in contrast to other big-bank CEOs, namely JPMorgan Chase & Co.’s Jamie Dimon, who reiterated his belief Friday that an economic “hurricane” is coming. JPMorgan executives said consumers will deplete the extra money in their checking accounts around the middle of next year.
Despite Mr. Moynihan’s optimism, there were some notes of caution. Spending growth, while still high, slowed to 10% in September, versus 12% for the year so far, according to the bank’s metrics.
Mr. Moynihan said at an industry conference last week that his bank expects a shallow recession with a modest increase in unemployment. Economists widely expect a recession in the next 12 months, according to a Wall Street Journal survey.
Meanwhile, higher rates are boosting banks’ lending businesses. Bank of America’s net interest income jumped 24% to $13.77 billion.
Noninterest income fell 8% to $10.74 billion. A deal-making drought caused investment-banking fees to fall 46% to $1.17 billion. Morgan Stanley and other Wall Street banks reported similar declines.
Trading revenue rose 13% to $4.11 billion during a turbulent quarter for markets.
Swooning financial markets also prompted wealthy people to pare their borrowing for the first time in years last quarter. Until recently, wealthy people were taking out securities-based loans at a rapid pace, even when markets plunged in the first half of this year. Those are loans backed by assets like stock-and-bond portfolios.
At Bank of America, those loans dropped by almost 3% over the third quarter, to $52.6 billion. That was the first quarter-over-quarter drop since the beginning of the pandemic.
Consumers are in good shape, Brian Moynihan says, but the bank socked away funds to prepare for a possible recession
Bank of America earned $7.08 billion in the latest quarter. ELIZABETH BICK FOR THE WALL STREET JOURNAL
SHARE
High inflation and rising interest rates haven’t done much to weaken the health of the American consumer, Bank of America Corp. BAC 6.06%▲ Chief Executive Brian Moynihan said Monday.
The company’s data show that spending growth remains strong in terms of both amounts and number of transactions. Americans are spending in particular on travel and entertainment, which tend to be discretionary items. Deposit balances remain higher than prepandemic levels by multiple times and delinquencies remain low.
“The customers’ resilience and health remain strong,” Mr. Moynihan said Monday on a call with analysts after the company reported its third-quarter earnings.
Executives and everyday Americans alike are trying to figure out the uncertain economic outlook. The highest inflation in decades has prompted the Federal Reserve to aggressively lift interest rates to slow the economy.
Like other lenders, Bank of America is preparing by stowing away additional money to cover possible loan defaults. The $378 million the bank added to its reserves was a drag on its earnings.
Bank of America earned $7.08 billion, down 8% from $7.69 billion a year earlier. That amounts to 81 cents a share. Analysts expected 78 cents, according to FactSet. Revenue rose 8% to $24.5 billion. Analysts expected $23.54 billion.
Still, Mr. Moynihan, the longtime head of the nation’s second-largest bank, has stood out in recent years for having a sanguine outlook on the economy. He was early to say the economy was rebounding from the pandemic shutdown in 2020. At the time, many banking executives still feared widespread customer defaults, which never materialized.
Mr. Moynihan’s remarks Monday stand in contrast to other big-bank CEOs, namely JPMorgan Chase & Co.’s Jamie Dimon, who reiterated his belief Friday that an economic “hurricane” is coming. JPMorgan executives said consumers will deplete the extra money in their checking accounts around the middle of next year.
Despite Mr. Moynihan’s optimism, there were some notes of caution. Spending growth, while still high, slowed to 10% in September, versus 12% for the year so far, according to the bank’s metrics.
Mr. Moynihan said at an industry conference last week that his bank expects a shallow recession with a modest increase in unemployment. Economists widely expect a recession in the next 12 months, according to a Wall Street Journal survey.
Meanwhile, higher rates are boosting banks’ lending businesses. Bank of America’s net interest income jumped 24% to $13.77 billion.
Noninterest income fell 8% to $10.74 billion. A deal-making drought caused investment-banking fees to fall 46% to $1.17 billion. Morgan Stanley and other Wall Street banks reported similar declines.
Trading revenue rose 13% to $4.11 billion during a turbulent quarter for markets.
Swooning financial markets also prompted wealthy people to pare their borrowing for the first time in years last quarter. Until recently, wealthy people were taking out securities-based loans at a rapid pace, even when markets plunged in the first half of this year. Those are loans backed by assets like stock-and-bond portfolios.
At Bank of America, those loans dropped by almost 3% over the third quarter, to $52.6 billion. That was the first quarter-over-quarter drop since the beginning of the pandemic.
Re: 美股跌到今天，风险已经不大。
这是假定2008年再来一次，不需要Nuke Ukarine 的Trigger, 但需要 Lehman 级别的Trigger。
参见另一贴，S&P500 还有可能腰斩的。https://newmitbbs.com/viewtopic.php?t=43320
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